Discover the top business credit cards designed for entrepreneurs with good credit scores. We compare features, benefits, and rates to help you find the ideal card for your business needs.
Our Top Business Credit Card Recommendations
UpstartInk Business Unlimited® Credit Card
Issuer: Chase
APR: 0% intro APR for 12 months on purchases, then variable
Key Benefit: Unlimited 1.5% cash back on every purchase
- High rewards rate
- Intro APR period
- No reward caps
- New cardholder bonus offer
The American Express Blue Business Cash™ Card
Issuer: American Express
APR: 0.0% intro APR for 12 months, then variable 16.74% - 26.74%
Key Benefit: Earn 2% cash back on all eligible purchases on the first $50,000 each calendar year
- High cash-back bonus rate
- Intro APR period
- New cardholder bonus offer
U.S. Bank Triple Cash Rewards Visa® Business Card
Issuer: U.S. Bank
APR: Intro APR period on purchases and balance transfers, then variable
Key Benefit: Earn 3% cash back on eligible purchases at gas, office supply stores, cell phone, and restaurants
- High cash-back bonus rate
- No cap on bonus rewards
- Intro APR period
- Reports to Dun & Bradstreet
Ink Business Cash® Credit Card
Issuer: Chase
APR: 0% intro APR for 12 months on purchases, then variable
Key Benefit: Earn 5% cash back on office supplies and telecom services
- Intro APR period
- New cardholder bonus offer
- High reward rate in bonus categories
Wells Fargo Signify Business Cash® Card
Issuer: Wells Fargo
APR: 0% intro APR for 12 months on purchases, then variable 16.74%-24.74%
Key Benefit: Earn unlimited 2% cash rewards on purchases
- High rewards rate
- No annual fee
- Intro APR period
- No reward caps
Business Credit Card Comparison Table
| Card Name | Issuer | APR Range | Annual Fee | Key Benefit |
|---|---|---|---|---|
| Ink Business Unlimited® Credit Card | Chase | 0% intro APR for 12 months, then 16.74%-22.74% Variable | $0 | Unlimited 1.5% cash back |
| The American Express Blue Business Cash™ Card | American Express | 0% intro APR for 12 months, then 16.74%-26.74% Variable | $0 | 2% cash back on up to $50k spend |
| U.S. Bank Triple Cash Rewards Visa® Business Card | U.S. Bank | 0% intro APR for 15 months, then 16.24%-25.24% Variable | $0 | 3% cash back in select categories |
| Ink Business Cash® Credit Card | Chase | 0% intro APR for 12 months, then 16.74%-22.74% Variable | $0 | 5% cash back in select categories |
| Wells Fargo Signify Business Cash® Card | Wells Fargo | 0% intro APR for 12 months, then 16.74%-24.74% Variable | $0 | Unlimited 2% cash back |
How to Qualify for a Business Credit Card with Good Credit
- Maintain a strong personal credit score (670-739 is considered good). Lenders often check personal credit for business card applications.
- Have a clear business plan and demonstrate consistent revenue, even if it's a new business.
- Ensure your business is legally structured and registered (e.g., LLC, Sole Proprietorship).
- Provide accurate financial documentation, including tax IDs and business income.
Frequently Asked Questions (FAQs)
What is considered a
good credit score for a business credit card?
A good credit score for a business credit card typically falls within the 670-739 FICO score range. While some cards may accept lower scores, aiming for this range increases your approval chances and access to better terms.
Do business credit cards affect my personal credit score?
Many business credit cards do consider your personal credit score during the application process, and some may report account activity to personal credit bureaus. However, responsible use of a business credit card can also help build your business credit profile independently.
What are the main benefits of a business credit card?
Business credit cards offer several benefits, including separating business and personal expenses, earning rewards on business spending, improving cash flow, and building business credit history. They can also provide valuable business-specific perks like employee cards and spending reports.
Can I get a business credit card with no annual fee?
Yes, many excellent business credit cards offer no annual fee. These cards are a great option for businesses looking to minimize costs while still enjoying rewards and other benefits.
What kind of rewards can I earn with a business credit card?
Business credit cards offer a variety of rewards, including cash back, travel miles, and points that can be redeemed for merchandise, gift cards, or statement credits. Some cards offer accelerated rewards in specific business spending categories like office supplies, gas, or dining.